# Affirm Debit+ — user reviews > 54 indexed App Store user reviews of Affirm Debit+ by Affirm, Inc, rated 3.13/5 from 194 ratings. - Source: https://appshunter.io/ios/app/affirm-debit-plus/id1573446659/reviews - App overview in markdown: https://appshunter.io/ios/app/affirm-debit-plus/id1573446659.md - Rating breakdown: 5★ 77 · 4★ 22 · 3★ 11 · 2★ 17 · 1★ 67 ## What do users think of Affirm Debit+? Overall sentiment: negative **Pros** - 👍 Good concept and product - 🚀 Works perfectly for some users - 👍 Easy and convenient to use (for some) **Cons** - 🐛 Constantly losing bank connection - 🐛 App is unpredictable - 🐛 Transactions decline unexpectedly - 🐛 Says $0 available with funds in bank - 🐛 Account no longer connected notifications - 🐛 Tired of signing in daily - 🐛 Card doesn't offer payment plans - 🐛 Charged full price unexpectedly - 🐛 Customer service unhelpful - 🐛 Issues connecting bank account - 🐛 No funds available despite linked account - 🐛 Reconnecting bank causes errors - 🐛 Card becomes unusable - 🐛 Doesn't support most banks - 🐛 Forces access to all bank data via Plaid - 🐛 Refund issues - 🐛 Denied transactions unexpectedly - 🐛 iOS compatibility issues - 🐛 Misleading payment split options - 🐛 System prompts to download but not invited - 🐛 No purchases approved - 🐛 Confusing setup process - 🐛 Cannot verify identity - 🐛 Link process broken for specific banks - 🐛 Fake offer, not available - 🐛 Cannot move forward after passcode - 🐛 Connection lost repeatedly - 🐛 Bank details incorrect error - 🐛 Cannot finish setup - 🐛 Bank won't link - 🐛 Prequalified one minute, not the next - 🐛 New changes not worth bother - 🐛 Requires online banking password - 🐛 Kicked off account, still owe money - 🐛 Network fail error - 🐛 Unknown network failure - 🐛 Not on waitlist despite email - 🐛 No transactions eligible to split - 🐛 App released prematurely - 🐛 Giving up bank login is risky - 🐛 Daily purchases don't have same concept - 🐛 Must have funds available to split - 🐛 Poor quality, terrible customer service - 🐛 Cannot see purchases in app - 🐛 No cash back rewards - 🐛 No other benefits (insurance, etc.) - 🐛 Forced to have funds in checking account - 🐛 Misleading and useless card **Commonly reported bugs** - App is very unpredictable - Losing connection to bank account - Card declines transactions unexpectedly - Shows $0 available when funds are present - Account no longer connected notifications - Requires daily sign-in - Card doesn't offer payment plans - Charged full price instead of split - Bank account disconnected due to technical issues - No funds available to use with card - Errors when trying to reconnect bank account - Bank still shows as linked after access revoked - Cannot re-add bank account - Card is unusable - Does not support most banks - Forces access to all bank data via Plaid - Refunds not processed - Transactions denied unexpectedly - Changed iOS compatibility - Purchases not eligible for split payments - System prompts to download but user not invited - No purchases approved or meet qualifications - Confusing setup process - Cannot verify identity - Link process broken for specific banks (e.g., USAA) - Offer is fake, not available - Cannot move forward after entering passcode - Connection with linked account lost repeatedly - Bank information entered incorrectly error - Cannot finish setup process - Bank won't link - Prequalified status changes unexpectedly - New changes make card less useful - App requires online banking password - Kicked off account unexpectedly - Network fail error - Unknown network failure - Email indicates early access but app says not on waitlist - Transactions not eligible for split - App released prematurely - Cannot see purchases within the app - Purchases do not appear until after 24 hours, losing split option **Most requested features** - Offer cash back rewards - Offer other benefits like car rental insurance - Allow users to select benefits via layered membership fees - Manual bank information entry option - Better documentation on purchase amount preapproval process - Support for more banks - Allow splitting payments regardless of checking account balance (like before) ## Newest reviews (15 of 54) ### 2/5 — Please update this app *2023-05-08* This app is very unpredictable. You can wake up with 500 to spend and never spend from your bank account. But mid-day it’s going to decline transactions and tell you you’ve gone over the limit. Then it’ll say $0 available and still show the money you have in your bank account. Next notification comes within 24 hours: “YOUR ACCOUNT IS NO LONGER CONNECTED” I’m tired of signing into my account every day for this app to work. Its starting to feel like fraud. **Developer response:** Thanks for sharing your experience with us. Feedback from our customers is one of our greatest resources. Please know that your feedback has been taken to heart. -TL, Customer Care ### 2/5 — Good product, Awful App *2023-04-13* Love the concept and the product. The App is constantly losing connection to bank my account. For no apparent reason. Nothing has changed. No a fan of having to constantly link my bank account and re connect. Will Probably stop using product due to the constant app hassle. **Developer response:** Thank you for taking the time to share your feedback. We’re sorry to hear that your experience with us was less than desired. We try hard to make every experience positive, but we looking forward to improving with the help of this feedback. -TL, Customer Care ### 2/5 — Disappointed *2022-11-29, version 1.0.205* I was approved, received my card info, applied to make several purchases under a specific amount. I was told I had 2 hours to complete my transactions. The card was denied and only approved for what was available in my personal account. **Developer response:** Thank you for taking the time to share your feedback. We’re sorry to hear that your experience with us was less than desired, but if there is anything we can take a closer look at don't hesitate to reach out to us at (855) 423-3729. -TL, Customer Care ### 2/5 — Debit + Card *2022-08-28, version 1.0.178* I have been trying for a month to get this card and I have been told to try another bank. I don’t use another bank. I have used Affirm for years and currently they have all my bank information. This is so annoying. ### 1/5 — Link process broken *2022-08-25, version 1.0.178* You have the option to link to USAA but have no way to do name, password, and pin. Useless until patched. ### 1/5 — FAKE Offer *2022-08-24, version 1.0.178* Affirm invites you to take this card then tell you it is not available!!! What is the point. ### 1/5 — Passcode *2022-08-22, version 1.0.178* After entering passcode no way to move forward. ### 1/5 — Not working *2022-08-17, version 1.0.161* It won’t let me finish the process. I enter my correct bank information and it keeps telling me it’s wrong on the debit plus app but I have the same information on the regular affirm app. ### 1/5 — bank won't link. *2022-07-14, version 1.0.149* tried to link my bank account, says "must disable 2 factor authentication & try again" but it is not on for my bank account. my regular affirm app works fine. this isn't. ### 2/5 — Confused *2022-06-24, version 1.0.140* I have been using affirm for a while now and paid my payments on time to find out that i was prequalified one minute and the next I wasn’t. ### 1/5 — DON’T EVEN WASTE YOUR TIME!! *2022-06-08, version 1.0.133* WHAT A WASTE!! ### 1/5 — Won’t finish the set up. *2022-06-01, version 1.0.133* This app won’t connect to my bank. If keeps say incorrect password or username. I know I’m typing the correct password and username because if checked it many times 🤷🏽‍♂️ ### 1/5 — Beta *2022-05-28, version 1.0.133* Should put that this is in beta and is invite only vs having people download to see a screen saying join the waitlist. Feels like a way to get the stats up knowing that this app isn’t open to the general public. Great concept and hoping it will work well once open to the public. ### 1/5 — Won’t let me split *2022-05-22, version 1.0.133* So I purposely made a purchase of $100 at target ($106 to be exact) so I can do the split . And the app isn’t even offering it nor is it working . It just keeps saying “split amount unavailable”. What’s the point of this card if it doesn’t do what it says? Don’t recommend ### 1/5 — Fraud *2022-05-20, version 1.0.133* Do not get this app. After you log your bank information they will tell you it’s an error or unsuccessful. It’s just a scam to get your information. Change your password immediately! ## Most critical reviews (10 lowest-rated) ### 1/5 — Doesn’t work as advertised *2023-04-05* Im a long time Affirm customer and generally pretty happy with the company but I jus got their new Debit + card and activated it yesterday and went to Home Depot to get some paint and supplies i needed for $155. The card didn’t give me the option to select payment plans and instead said “ Your available to split amount is currently unavailable”. Affirm says Your supposed to have 24 hrs to decide if you want to split payments but I got none of that. Im just being charged full price from my checking account. Customer service couldn’t explain to me what at Home Depot wouldn’t be eligible for payment plans. All I bought was paint supplies and thats not on Affirms restricted list so I'm at a lost but since it’s my first time using this card, I don’t want any more surprises so I’ll probably just cut up the card. Big disappointment for me. **Developer response:** Thank you for sharing your insights with us. It’s hard for us to hear that you had a negative experience, as we always do our best to provide our customers with the best support possible. We look forward to improving with the help of this feedback. -TL, Customer Care ### 1/5 — Issues with connecting bank account *2023-04-01* When I first signed up I was able to link my bank account just fine. Having the card now for several months I get notification my bank account was disconnected due to technical difficulties. When I go into Affirm Debit + my account j for is still linked and there, shows my current balance, but says I have no funds available to use with my Affirm Debit + card. I tried to reconnect my bank account but keep getting errors. When I go to my bank it says they are still connected to Affirm Debit +. I had the bank stop allowing them access so I could re-add my bank account but when I go into Affirm Debit + it stills shows it even though I had the bank stop their access. So I again try to add my bank account but again get the same error. I keep getting emails stating I need to re-add my account. How can I re-add when it won’t let me not to mention it still shows it’s linked. Now the card is unusable which is fine as I had not even used it yet because I’m still trying to figure out how it even works. **Developer response:** We would like the opportunity to investigate your feedback further. Please could you contact us at customercare@affirm.com or call our team at (855) 423-3729? We’ll work with you to resolve any issues as quickly as possible. -TL, Customer Care ### 1/5 — Doesn’t support most banks even with Plaid *2023-02-08, version 1.0.212* I tried in the following order, Robinhood, Chime, SoFi and even my local credit Union UCCU. Seems like they only want you if you’re dealing with the big boy banks but since I don’t I guess I won’t. Big thumbs down from me. What does it matter who I bank with, you can see my balance in plaid and you’re debiting via ACH. You’ve lost a potential customer. **Developer response:** We're sorry if we've let you down. We deeply respect your concerns, and we will try to combine your feedback with our R&D, in order to provide better products. -TL, Customer Care ### 1/5 — Dangerous to connect your bank *2023-02-03, version 1.0.212* It’s extremely dangerous to connect your banking account to this app via Plaid the processor Affirm uses to access your debit card. You see you not only forced give Plaid access to one debt card but you are forced to grant them access to EVERYTHING you have with that particular bank. They want your overall bank signin, not just one account, they get access to all debit cards you have, all credit cards, any loans and your entire bank statement, in short any and all information your bank has Plaid (and therefore Affirm) receive access to. Too massive a risk for me **Developer response:** Thanks for sharing your experience with us. Feedback from our customers is one of our greatest resources. Please know that your feedback has been taken to heart. -TL, Customer Care ### 1/5 — Terrible Service *2022-12-19, version 1.0.208* First off, I will start off by saying when the service first launched everything was fairly smooth. I was able to connect my bank, and make a few purchases successfully splitting the purchases. Then for some reason affirm had some technical issues and my bank was disconnected. I tried to re-connect and my bank was no longer supported for some reason. So i closed my account. I had one of my purchases refunded after i closed my account and its now been over a month and affirm still hasnt given me my money, and customer service has been awful everytime I reached out so at this point I dont think ill ever get my refund. Lastly, i think its stupid that you have to have enough money in your checkings account in order to complete a purchase for that matter just use your actual debit card… **Developer response:** We apologize for the difficulties you experienced while registering with us. If you would like some assistance or additional information, please contact us via customercare@affirm.com and we will be happy to help you further. -TL, Customer Care ### 1/5 — Changed the iOS compatibility so I can no longer use *2022-10-21, version 1.0.178* Changed the iOS compatibility so I can no longer use ### 1/5 — Terrible *2022-09-28, version 1.0.188* The closest thing to a scam! They say you can split payments but everything you purchase isn’t eligible for split payments everytime you make a purchase. They can’t even tell you why it’s ineligible either. It’s a legal scam! Might as well use your regular debit card because this one is VERY misleading and useless!! ### 1/5 — Worst experience! *2022-09-21, version 1.0.178* The system keeps inviting and prompting me to download, then tells me I am not one of the”invited”. While I have successfully used Affirm many times, and successfully paid - on a timely basis- all obligations; this app definitely leaves bad vibes and is a discredit to Affirm. ### 1/5 — Pointless *2022-09-15, version 1.0.178* Just use your own debit card no purchase is ever approved or meets the “qualifications” no matter what the amount is. ### 1/5 — Stuck *2022-08-25, version 1.0.178* I can’t get past the “we can’t verify it’s you” and contact our support team button doesn’t do anything. Have tried to link my account several times now. I hate giving my banking info multiple times. Makes you wonder where it goes when it doesn’t work. It says “Plaid” has it. Great. ## Most praised reviews (10 highest-rated) ### 5/5 — No cash back rewards *2022-12-29, version 1.0.208* Card works perfectly for me. Only two drawbacks: 1. No cash back rewards 2. No other benefits like car rental insurance etc. Maybe Affirm can offer us the choices to select the above benefits by paying layered membership fees? If we have such choices available, I will close my other credit cards. **Developer response:** Thanks for your feedback! We deeply respect your concerns, and we will try to combine your feedback with our R&D, in order to provide better products. -TL, Customer Care ### 5/5 — So confusing *2022-09-07, version 1.0.178* It’s telling me that my card is available download the app. When I go through the process it says they are working on a spot for me. Whatever!!! ### 5/5 — Easy and Convenient *2022-08-03, version 1.0.161* The app has worked flawlessly for me. I have used it on occasion to split larger purchases into equal payments for convenience. The whole process is smooth and intuitive. ### 5/5 — Amazing *2022-04-01, version 1.0.124* Honestly this app and card works so well I’m probably going to be using it all the time. The onboarding flow including linking my account was flawless too. ### 4/5 — Attempting to Sign In! *2022-05-31, version 1.0.133* I would love to be a member of the new Affirm Card, though every time I get to the last stage. It informs me issue with bank. Sincerely, ### 4/5 — Bank Not Listed *2021-12-15, version 1.0.108* Would love to try this out but unfortunately my bank isn’t listed ### 4/5 — Ok I guess *2021-10-24, version 1.0.91* So I thought you could make a purchase up to your approved limit and split the payment up regardless of how much in checking acct. I see the slight convenience with this but would’ve been better to have the approved amount available if selecting to split payments. ### 3/5 — 'connection with linked account has been lost'. again... *2022-08-21, version 1.0.178* i'd give the app four stars, if it weren't for the alert i woke up to this morning. this will be the third time i've had to go through the process that links the app (or system backend) with my bank account. this worries me a little, given that there's never any explanation for this happening. you don't expect a financial services app (or system) to lose your user data. otherwise, the app and service have worked well for me. (although initial connection attempts are not always successful.) better documentation would be helpful--about the purchase amount preapproval process, especially. ### 3/5 — Network fail error *2021-12-12, version 1.0.97* I keep trying to finish the process and when I get to the final step, it keeps saying network fail error.. what’s going on? I truly enjoy utilizing affirm but I would enjoy the access of a debit card even more. Developer can you assist with this problem ### 3/5 — Can’t connect bank *2021-10-24, version 1.0.91* I have been trying to connect my bank for days now and all it says is connectivity to my back is down. Working on it. So far I can not and you can’t do anything else since it will not let you past that part. Not off to a good start. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*